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402 James Creek Ln, Jacksonville, IL, 62650

5beds
4baths
3,117sqft
$340,000
$109price/sqft
$2,797/moest. monthly cost
$111,880/yrincome needed

About This Home

Just WOW! Stylish open plan 2-story with incredible natural light, 9 foot ceilings, hardwood floors, spacious rooms, main floor master suite, main floor laundry, a great floor plan and very well maintained. Basement includes an office, family room, bedroom, full bath and lots of storage. Steel beam construction and a 3 year old roof. So sharp!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

4/10
2/10
Jacksonville High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame,Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Daylight,Egress Window(s),Full,Partially Finished

Bedroom1

  • Level: Main
  • Dimensions: 16ft 0in x 14ft 0in

Bedroom2

  • Level: Upper
  • Dimensions: 16ft 0in x 12ft 0in

Bedroom3

  • Level: Upper
  • Dimensions: 11ft 0in x 11ft 0in

Bedroom4

  • Level: Upper
  • Dimensions: 11ft 5in x 11ft 0in

Bedroom5

  • Level: Basement
  • Dimensions: 14ft 0in x 11ft 0in

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Family Room

  • Level: Basement
  • Dimensions: 34ft 5in x 11ft 5in

Features

  • Ceiling Fan(s)
  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,121
  • Total interior livable area: 3,117 sqft

Kitchen

  • Level: Main
  • Dimensions: 17ft 5in x 12ft 0in

Laundry

  • Level: Main
  • Dimensions: 9ft 0in x 6ft 0in

Living Room

  • Level: Main
  • Dimensions: 17ft 0in x 16ft 0in

Main Level

  • Area: 1405

Other

  • Level: Main
  • Dimensions: 16ft 0in x 14ft 0in

Other

  • Level: Basement
  • Dimensions: 10ft 0in x 10ft 0in

Other

  • Area: 996

Upper Level

  • Area: 716

Property

Details

  • Parcel number: 0825201009

Features

  • Levels: Two
  • Patio & porch: Deck

Lot

  • Features: Corner Lot
  • Lot size dimensions: irreg

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Lightning
Strong Wind
Earthquake
Hail
Ice Storm
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,719$20,628
Home Insurance *$358$4,296
Property Taxes $481$5,772
Electricity $239$2,876
Total$2,797$33,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,897/yr
40% on housing$83,910/yr
45% on housing$74,586/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -7.6%
-7.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 62650$82
Morgan County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 62650$98
Morgan County$97

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$340,000
2026-07-29Listed for sale$340,000
2019-01-04Sold$225,000
2018-10-16Price change$230,000
2018-10-05Price change$239,900
2018-09-21Price change$244,900
2018-08-27Price change$249,900
2018-07-26Price change$254,900
2018-06-12Price change$264,900
2017-12-20Price change$269,999
2017-08-31Listed for sale$279,900
2014-06-19Sold$247,000

For Sale by Agent

AgentMichael D Oldenettel
BrokerageThe Real Estate Group, Inc.

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